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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $9,689 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Form 5500 reported that benefits due were not provided when due.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,978 | $45,031+66.5% | $85,009-11.8% | $77,671-3.5% |
| Participation rate | 9.2% | 48.7%-39.5pp | 67.5%-58.3pp | 70.6%-61.4pp |
| Annual return | 19.24% | 79.22%-60.0pp | 66.47%-47.2pp | 31.21%-12.0pp |
| Employer contribution / active EE | $0 | $1,609-100.0% | $2,728-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $1,180 | $2,807-58.0% | $4,522-73.9% | $4,648-74.6% |
| Admin fee / account holder | $56 | $912-93.9% | $6,153-99.1% | $430-87.1% |